Empowering financial tools & information
Savings Rates
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| Tru Savings Accounts - Regular Share |
0.10% |
0.10% |
|
Tru Checking Accounts
Regular Share Draft
|
0% |
0% |
| Mega Money Draft |
0.55%*** |
0.55% |
|
Tru Certificates of Deposit (APR/APY)
| Description |
6 Months |
12 Months |
18 Months |
24 Months |
36 Months |
48 Months |
60 Months |
| < $5,000 |
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20% |
| $5,000 - 25,000 |
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20% |
| $25,001 - 50,000 |
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20% |
| $50,001 - 75,000 |
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20% |
$75,000 - 100,000
|
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20% |
| > $100,001 |
3.69%/3.75% |
3.74%/3.80% |
3.35%/3.40% |
3.45%/3.50% |
3.35%/3.40% |
3.25%/3.30% |
3.15%/3.20%
|
|
Kid's Club CD Special
*Max Amount $10,000
|
|
|
|
4.17%/4.25% |
|
|
|
|
Teen
12 Month Special
*Max Amount $2,500
|
- |
4.25%/4.33%
|
- |
- |
- |
- |
-
|
Tru Traditional/Roth IRA Accounts
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| < $15,000 |
0.50% |
0.50% |
$15,001 to $50,000
|
0.60% |
0.60% |
$50,001 to $100,000
|
0.65% |
0.65% |
$100,001 to 150,000
|
0.80% |
0.80% |
| $150,001 or Greater |
0.95% |
0.95% |
Tru Club Accounts
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| Christmas Club |
0.25%** |
0.25%** |
| Kid's Club (up to $50,000) |
1.50%** |
1.50%** |
| Kid's Club ($50,001 or Greater) |
0.10%** |
0.10%** |
| Club Savings |
0.10%** |
0.10%** |
Tru Super Cash
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| < $5,000 |
0% |
0% |
$5,000 - 49,999
|
1.15% |
1.15% |
$50,000 - 99,999
|
1.24% |
1.25% |
$100,000 - 149,999
|
1.34% |
1.35% |
> $150,000
|
1.54% |
1.55% |
|
Rates shown are effective and accurate as of 01/01/2025 unless otherwise noted.
Fees may reduce the actual APY earnings.
*Rates and Terms are subject to change without notice.
**Balance must be $50 and greater to earn dividends.
***Mega Money accounts only earn dividends when the average daily balance is maintained at a minimum of $5,000.00.
Early withdrawal or closure of any certificate may generate penalty fees.
Loan Rates
Tru Signature Loans
| Loan Type |
Approximate Terms |
APR as low as |
| Unsecured |
24 months |
10.00% |
| Unsecured |
25 - 36 months |
10.00% |
| Unsecured |
37 - 60 months |
10.79% |
| Credit Card - Platinum |
— |
13.50% |
| Credit Card - Business |
— |
13.50% |
| Credit Card - Secured |
— |
13.50% |
| Personal LOC |
— |
14.99% |
|
Tru New Vehicle Loans
| Loan Type |
Approximate Terms |
APR as low as |
Up to 100% financing
(Current Year Or Previous With Less Than 15k Miles) |
24 - 36 months |
5.49% |
|
37 - 60 months |
5.69% |
|
61 - 72 months |
5.99% |
|
73 - 84 months |
6.74% |
|
Tru Used Vehicle Loans
| Loan Type |
Approximate Terms
|
APR as low as |
|
Models
(not over 7 years 2018 - 2024 or 150k miles)
|
24 - 36 months |
6.25% |
|
37 - 48 months |
6.25%
|
|
49 - 60 months |
6.39% |
|
61 - 72 months (2020 - 2024, Minimum $14k) |
6.49% |
|
61 - 72 months (2018 - 2019 Minimum $14k) |
7.99% |
|
Models
(not over 12 years 2013 or 200k miles)
|
24 - 36 months |
8.89% |
|
37 - 48 months |
9.09% |
|
49 - 60 months |
9.49% |
|
Tru Motorcycle & ATV Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Motorcycles |
Up to 60 months |
6.09% |
|
61 - 72 months |
6.89% |
| Used Motorcycles |
Up to 48 months |
7.09% |
|
49 - 60 months |
7.89% |
|
|
|
| New Model ATV's |
Up to 72 months |
7.49% |
| Used Model ATV's |
Up to 60 months |
8.09% |
|
Tru Boats & Watercraft Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Models |
Up to 60 months |
6.99% |
|
61 - 120 months |
7.59% |
|
121 - 144 months |
7.99% |
| Used Models |
Up to 60 months |
7.29% |
|
61 - 120 months |
7.99% |
|
Tru Recreational Motor Homes & Camper Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Models |
Up to 72 months |
8.09% |
|
73 - 120 months |
8.49% |
|
121 - 144 months |
8.89% |
| Used Models |
Up to 72 months
|
8.19% |
|
73 - 120 months
|
8.49% |
|
Tru Personal Equipment Loans
| Loan Type |
Approximate Terms |
APR as low as |
| Lawn Mowers, Farm Equipment |
Up to 60 months |
9.09% |
|
*Interest Rates and Terms are subject to change without notice.
Interest Rates shown are effective as of 03/26/2025 unless otherwise noted.
The ANNUAL PERCENTAGE RATE (APR) you receive for the above sub-accounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask your credit union for the rate you qualify for.
